Should insurance be compulsory for all golfers?

[GB72]

The only way to ensure compliance would be for clubs to have a mandatory block policy in place the cost of which was covered by members with an additional cost added to green fees to cover guests or pay and players.

The reason why this may never work would be because I would have thought that the insurance companies make far more off selling policies to individuals.

 

[viscount17]

1. As has been said, if the Insurance is done through the club and there is a claim, everyone's premium goes up.

maybe I'm just a cynic in my old age, but I can't help thinking that if there were to be compulsory insurance, then if there were a significant number (or £ total) of claims at any one club it would either not be able to get insurance or the premiums would be raised so high it could no longer operate.

get a high number of injury claims and they might start demanding we wear hard hats and body armour!

 

[Herbie]

The trouble with sticking it on at club level is what happens when people start to claim against the policy. One big claim and the premium would rise significantly, so one person claims, and everyone else pays the price.

At least on a personal policy, if your premium rises because you injure someone, only you take the hit, which you can either pay or choose to not have insurance again.

you do dream don't you?

why do you think your insurance goes up every year when you haven't claimed? if someone makes a claim for £1000 his policy doesn't go up that much. it goes up a bit, the rest everyone else pays for.

Im pleased you said it viscount, I was ready with my firmest keypad finger, eager to strike.